¹Early deposit of funds is not guaranteed and is dependent on the timing of funding by the payer.

²You earn cash rewards on net qualified purchases (less credits, returns and adjustments) for each $1 spent. No maximum limit on total cash rewards earned. Balance transfers, cash advances and cash-equivalent transactions, such as purchases of money orders or gift cards, and certain other purchases/transactions do not earn rewards. We reserve the right to determine in our sole discretion whether a particular transaction is a qualified purchase. A 4% cash reward is offered on net qualified gas purchases and electric vehicle (EV) charging stations at eligible merchants. Cash rewards on gas and EV charging station purchases combined are limited to up to $5,000 in purchases annually, then 1% thereafter. A 3% cash reward is offered on net qualified purchases from eligible restaurants, including fast food and food delivery. A 3% cash reward is offered on net qualified purchases from eligible grocery stores or supermarkets. Purchases made at wholesale warehouse clubs are not eligible for rewards. All other net qualified eligible purchases will receive a 1% cash reward for each $1 spent.

³Golden 1 provides zero fraud liability for unauthorized transactions on your card, when promptly reported. Certain conditions and limitations may apply. See you Credit Card Account Agreement for additional information on unauthorized use.

⁴The dividend rate and Annual Percentage Yield (APY) accurate as of 11/5/2025. The dividend rate and APY may change at any time. There is no minimum balance required to earn the stated APY. The minimum opening deposit for the 16-month certificate is $500. The APY is based on an assumption that dividends will remain in the account until maturity. Any fee, withdrawal, or transfer reduces earnings and there may be penalties for early withdrawal. Call 1-877-GOLDEN 1 (1-877-465-3361) for current rates.